Insurance Plans Comparison
Niva Bupa GoActive vs ICICI Lombard Health Elite Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreGoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
VS
Health Elite Plus
Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.
What Makes It Special:
ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...
Best For:
Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.
Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.
People who value a guaranteed cumulative bonus that can increase their available cover over time.
Buyers who want a reset benefit for eligible subsequent hospitalisation claims.
Individuals or families looking for a health insurance plan with multiple sum insured options.
Insurance Plans Comparison
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Quick Decision Guide
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.
If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.
If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.
If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.
Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
GoActive Health Insurance Plan VS VS |
![]() Health Elite Plus Health Insurance Plan |
| Room Rent |
|---|
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
VS VS |
Health Elite Plus
|
| Advanced Treatments |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Health Elite Plus
|
| ICU Charges |
|---|
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
VS VS |
Health Elite Plus Not verified for the exact current variant configuration. |
| Co-payment |
|---|
GoActive No mandatory age-based co-payment mentioned |
VS VS |
Health Elite Plus Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses. |
| Disease-wise sublimits |
|---|
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
VS VS |
Health Elite Plus Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording. |
| Cashless Healthcare Providers |
|---|
GoActive 4,200+ Network Hospitals |
VS VS |
Health Elite Plus 10,000+ Cashless Healthcare Providers |
| Restoration Benefit |
|---|
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
VS VS |
Health Elite Plus Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions. |
| Daycare Treatment |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Health Elite Plus Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy. |
| Cumulative Bonus |
|---|
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
VS VS |
Health Elite Plus Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification. |
| AYUSH Treatment |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Health Elite Plus Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions. |
| Consumable Cover |
|---|
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
VS VS |
Health Elite Plus Not verified as a standard benefit for the exact current variant. |
| Initial Waiting Period |
|---|
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
VS VS |
Health Elite Plus 30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction. |
| Specific Waiting Period |
|---|
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
VS VS |
Health Elite Plus 24 months for specified diseases and procedures listed in the policy. |
| PED Waiting Period |
|---|
GoActive 36 months |
VS VS |
Health Elite Plus 24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules. |
| Modern Treatment |
|---|
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
VS VS |
Health Elite Plus Covered up to the annual sum insured, subject to policy terms and exclusions. |
| Annual Health Checkup |
|---|
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
VS VS |
Health Elite Plus Preventive health check-up available at designated centres, subject to policy conditions. |
| Pre-Hospitalisation |
|---|
GoActive Up to 90 days before admission, within the sum insured |
VS VS |
Health Elite Plus 60 days |
| Post-Hospitalisation |
|---|
GoActive Up to 180 days after discharge, within the sum insured |
VS VS |
Health Elite Plus 180 days. |
| Outpatient Department Cover (OPD Expense) |
|---|
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
VS VS |
Health Elite Plus Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan. |
| Deductible Option |
|---|
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
VS VS |
Health Elite Plus No deductible option. |
| Coverage Options |
|---|
GoActive Information Unavailable |
VS VS |
Health Elite Plus Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
GoActive Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
VS VS |
Health Elite Plus Information Unavailable |
| Maternity Cover |
|---|
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
VS VS |
Health Elite Plus Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions. |
Insurance Plans Comparison
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